Amafutha amakhulu kanye negesi, isevisi noma izakhiwo, ikakhulukazi, cishe ziyokwethula izinhlinzeko zokukhokha kodwa ngokuvamile zizokhokhwa ngenxa yabameli bazo base-UAE. Ukuziphatha kokukhokha kwamafemu kazwelonke kulungile kodwa kuzohluka kakhulu kusuka komkhakha othile kuya kwenye. Izimo zokukhokha e-UAE ziyizinsuku ze-30.
Kodwa-ke, zivame ukwandiswa kuze kufike ezinsukwini ezingama-60. Izinkampani ezincane (isb. Ukuhweba okujwayelekile) maningi amathuba okuthi zingakhokhi izikweletu zazo, zishiye ababolekisi bazo bengenayo indlela yokuthola usizo. Ngaphezu kwalokho, izinhlangano eziningi ezibhalwe e-UAE zamukelwa zibuswa ngabangewona abomdabu abahlala behlakazeka lapho kuvela izingqinamba (abaxhasi ngezikhathi ezithile baxhumene nokuphathwa kwenhlangano futhi ngeke babe sengozini yezibopho).
“Obolekisayo uzoba nelungelo lokukhokhisa inzalo emalimboleko yezentengiselwano ngezinga elihlinzekwe kwinkontileka. Uma kwenzeka inani lenzalo lingachaziwe kwinkontileka, lizobalwa ngezinga lemakethe elikhona ngaleso sikhathi sokuhweba, kodwa kulesi simo akumele leqe i-12% kuze kukhokhwe inkokhelo. ”
Ukuxoxisana okuhleliwe kwabameli bama-UAE
Naphezu kwentuthuko ebonakalayo eminyakeni yamuva kanye nomgomo ocacile wokusheshisa imibuzo yeNkampani ehlobene, i-judiciary ye-UAE inesabelo esikhulu sokuthuthukiswa. Ngisho noma isimiso sokuzimela kobukhosi, kanye nokubusa komthetho kuhlonishwa emthethweni weNkantolo yoMthethosisekelo, ukungabi nokuzimela nokuthembeka ekusebenzeni, ukuze izinqumo zenkantolo ezihle zihlale zingavumelekile.
Kuhlala kungathandeki ku kuqala isenzo somthetho sabameli be-UAE phambi kwezinkantolo zikazwelonke ngaphandle kokuthi isimangalo asibalulekile futhi namathuba okuphumelela makhulu. Ngenxa yalokhu, izinguquko ezinesinqumo esinokuthula kufanele ngaso sonke isikhathi zithathwe njengezindlela ezibucayi ezinqubweni zomthetho ezifanele. Ngaphambi kokuqala amacala aphikisana nokuhlolwa kwempahla yomuntu okweletayo kubalulekile njengoba kuvumela ukuqinisekiswa maqondana nokuthi amathuba okubuyisa ahamba phambili nokuthi ibhizinisi liyaqhubeka lisebenza yini. Ngaphezu kwalokho, kubalulekile ukwazi ngesimo se-solvency solvency: uma kwenzeka inqubo yokuhluleka ukukhokha izikweletu iqala, akunakwenzeka ukufaka isikweletu.
Ukuqhubeka kweNkantolo
Kungumbimbi wama-Emirates ayisikhombisa abelana ngohlaka olujwayelekile lomthetho kazwelonke (ekugwemeni iDubai neRas Al Kaimah). Ezomthetho zakhiwe ngezinkantolo zeCassation Courts, Courses Appeal, kanye ne-generalview. Azisekho izinkantolo ezingongoti; lokhu kusho ukuthi amajaji angazikhetheli ayalalela izingxabano zezohwebo. Ngaphezu kwalokho, kubalulekile ukuthi izinkantolo zasendaweni zifaneleke kuzo zonke izingqinamba zomphakathi ezikhuphuke ngamabhizinisi abhaliswe e-UAE, kusuka kuFreezone 'Powers (njengeDaily International Financial Center) esebenzisa imithetho ehlukile (ejwayelekile yoMthetho) ngakho-ke iyafaneleka emacaleni afakwe amabhizinisi abhaliswe kulezi zindawo zamahhala nje.
Ukusebenza ngokomthetho kufanele kuqale ngedokhumenti Ifuna Incwadi evela Abameli be-UAE ukukhumbula umboleki umsebenzi wakhe wokumboza inhloko.
Impikiswano kumele nokho ixazululwe ngesimangalo esijwayelekile ngaphambi kwenkantolo yokuqala, uma kwenzeka kuvikelwa icala. Lapho ukuqoqwa okunokuthula kunganakiwe kepha uma kuqhutshwa ukuqhubeka kuzovame ukuqala isenzo esivamile somthetho kufanele kugwenywe. Isimangalo sizofakwa kanye nenkantolo, okuzobe sekudlulisa amasamanisi okweletayo. Abokugcina bazocelwa ukuthi bafake impendulo, futhi amaqembu ngemuva kwalokho lokho kushintshana abhale ukuthi izinkantolo eziqhubeka e-UAE zibhalwe phansi, cishe akukho ukulalelwa ngomlomo emacaleni omphakathi. Akunakushiwo ukuthi, zonke izinqubo zenziwa ngesi-Arabhu, futhi wonke amafayela kufanele ahunyushwe.
Izinkantolo zivame ukukhipha isisombululo ngohlobo lwemibukiso ethile kanye nokulimala okunxephezelayo. Kodwa-ke, ukuncishiswa kokumiswa akuvuleki i-UAE ngenkathi izicelo ze-latch kungelula ukuzincenga: kufanele kube khona icala lokuqala lapho kuqhathaniswa nomphenduli eceleni kwengozi yangempela ukucela ukuhlangana ngeke kube namandla okusebenzisa isinqumo. Ngokwenzayo, akulula ukuthola lolu hlobo lothando oluphikisana nempahla yebhizinisi likazwelonke lase-UAE noma lebhizinisi le-UAE njengoba kungelula ukuqinisekisa ithuba lokuchithwa kwempahla enjalo. Ezimweni ezingavamile nje umuntu obhekene necala ngeke akwazi ukuphinda athole umonakalo wokujeziswa ngokulahleka okulandelayo kanye / noma.
Umbuzo we-Bankruptcy: Iyini i-Insolvency Proceeding?
Yize kunjalo, ukuqothuka okuqhubeka e-UAE kuvame ukungalingani namazinga wamazwe omhlaba okusho ukuthi ukuqhubeka kokuqedwa kuphela kuyatholakala. Le nkampani ixhunyaniswe nezinkinga zokuhlonishwa komuntu siqu, futhi futhi kuyindinganiso yokuthi amacala obugebengu afakwa ngababolekisi, njengenye indlela yokuthembela ekubhujisweni kommeli nasekuqhubekeni ngemuva kokuhlolwa kwamasheke. Ngenxa yalokho, ababolekisi banezikhuthazo ezibalulekile zokuletha ukheshi ngendlela eqonde ngqo kungekho mathuba ashiyelwe amafemu abakweletayo ukuba aphile.
IZINDABA: I-UAE Amabhanki Ukunikeza Isikweletu Sokukhokha Ukulwa Namabhizinisi
Nini ukufaka i-bankruptcy?
I-DUBAI – Amabhange e-United Arab Emirates avumile ukuthi ahlinzeke ngamabhizinisi ombuso alwa nabancane abasemazingeni aphakathi okuphefumula izikweletu zabo njengoba izindleko zikaphethroli ophansi zicindezela izimakethe zesifunda.
Ngaphansi kohlaka olufingqiwe ngoMsombuluko ngomunye wabanki abakhulu esizweni, ababolekisi bendawo banikeza ama-SME abhekana nezinkinga zezimali ngaphandle kokubhekana nesinyathelo esisheshayo somthetho sokuvuselela izikweletu zabo.
Ama-SME enza cishe ama-60% emakethe ye-UAE engeyona kaphethiloli, ngokusho kokunye ukulinganisela. Abaningi bebelokhu belwa kusukela amanani entengo kawoyela aqala ukwehla maphakathi nonyaka wezi-2014, okuholele ekutheni iziphathimandla zinciphise amakhasimende ngazinye noma zihlehlise izinkokhelo njengoba izimakethe zezifunda zikhula ngesivinini esincane.
"Yilokho ukungakwazi ukukhokha izikweledu: nika iklayenti isikhathi bese unikezela ngamakhasimende isikhala inqobo nje uma enzile," esho.
I-UAE ayinawo umthetho wezikweletu ngokuphelele futhi osomabhizinisi abadingisiwe benza ngokungafanele ngesibopho esibalekele umbuso sokugwema ukumangalelwa ngamacala obugebengu. Izikhulu zeminyaka zithi sezizokwethula umthetho wokucwila ezikweletini ongaqukatha amarekhodi okuqothuka kokuqashwa abekhethekile kepha lawo maqhinga abonakala sengathi abanjezelwa.
'Ngikholwa wukuthi lokhu esikubeka manje etafuleni kungumthetho wokukhokha izikweletu okuncane.'
"Sidinga ukudalula umhlaba ukuthi amabhange ngokwawo abeka inketho etafuleni," esho. "Lokhu kungukuqonda ukuthi wonke amabhange azothobela," esho.
Kukonke, yize umthetho ungabuye ufaneleke njengobandakanya bonke ochwepheshe ngokuhlinzekela ukuxoxisana kabusha kwemishini yezikweletu, noma kunjalo ihlala ingavivinywanga ngokwenzekayo. Mayelana nokuqhubeka nje kokuqedwa kwempahla bakhathazekile, ukuze kuthi njengoba kushiwo ngaphambili, “ababalekile” kuyindlela ejwayelekile kakhulu lapho amafemu ebhekene nezinkinga zezezimali. Kodwa-ke, uma umuntu enezizathu ezinhle zokufaka ukuqothuka, ngakho-ke yenza lokho okusemandleni akho, thola okuthile kulokho okutshalile. Amafemu wezomthetho eDubai, e-UAE alungele lezi zinhlobo zamacala. Inkampani yezomthetho yaseDubai iqasha ama-ejensi okuqoqa izikweletu ukusiza amaklayenti abo ezikweletini nasekuqoqeni izikweletu ngokuholwa yizikhukhula ze-UAE.
